,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #giff  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #aa1 #bjbd,ms4 
,%]rill 7= h]self1 ,mr4 ,bacon1 ,mr4    
,l>s5 ( ,wa%+ton1 ,mr4 ,ryan1 ,mr4      
,pascrell1 ,ms4 ,/efanik1 ,mr4 ,davis ( 
,nor? ,c>ol9a1 ,mr4 ,got!im]1 ,ms4      
,tokuda1 ,mr4 ,coh51 ,mr4 ,kean ( ,new  
,j]sey1 ,ms4 ,g>cia ( ,texas1 & ,mr4    
,mol9>o7 introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,arm$ ,s]vices
  ,a ,,bill  ,to am5d title #aj1 ,unit$ 
,/ates ,code1 to require ! v]ification (
 ! f9ancial indep5d5ce ( f9ancial       
s]vices c\nselors provid+ s]vices to    
memb]s ( ! ,arm$ ,=ces1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,protect+ our ,s]vice      
,memb]s & _! ,families f ,pr$atory      
,f9ancial ,practices ,act4  #b4         
,v]ification ( ! f9ancial indep5d5ce (  
f9ancial s]vices c\nselors 9 ! ,dep>tm5t
 ( ,def5se  7a7 ,v]ification ( f9ancial 
indep5d5ce ,section #iib ( title #aj1   
,unit$ ,/ates ,code1 is am5d$-- 7#a7 9  

subsection 7b77#b77;,a7-- 7,a7 9 clause 
7i71 by /rik+ & at ! end2  7,b7 9 clause
 7ii7-- 7i7 by /rik+ may & ins]t+ %all2 
7ii7 by /rik+ in/allation by any means  
elect$ by ! ,secret>y f among ! foll[+3 
& ins]t+ in/allation--2  7iii7 9        
subclause 7,i7-- 7,i7 by /rik+ ,?r\gh & 
ins]t+ ?r\gh2 &  7,,ii7 by /rik+        
,def5se4 & ins]t+ ,def5se22  7iv7 9     
subclause 7,,ii7-- 7,i7 by /rik+ ,by    
contract & ins]t+ by contract2 &  7,,ii7
 by /rik+ ,int]net4 & ins]t+ ,int]net2  
or2 &  7v7 9 subclause 7,,iii7-- 7,i7 by
 /rik+ ,?r\gh & ins]t+ ?r\gh2 &  7,,ii7 
by /rik+ c\nsel+4 & ins]t+ c\nsel+2 &2 &
  7,c7 by add+ at ! end ! foll[+ new    
clause3  7iii7 may n provide f9ancial   
s]vices ?r\gh any individual unless su* 
individual agrees to submit f9ancial    
disclosures annually to ! ,secret>y4  2 
7#b7 9 subsection 7b77#b77;,b71 by /rik+
 in/allation by any ( ! means set =? 9  
subp>agraph 7,a77ii71 z elect$ by !     
,secret>y conc]n$4 & ins]t+ in/allation 
9 accordance ) ! requirem5ts e/abli%$ "u

 subp>agraph 7,a77ii7 & 7iii742 &  7#c7 
9 subsection 7b77#d7-- 7,a7 by ins]t+   
7,a7 be=e ,! ,secret>y2 &  7,b7 by      
ins]t+ at ! end ! foll[+ new            
subp>agraphs3  7,b7 ,9 c>ry+ out !      
requirem5ts ( subp>agraph 7,a71 !       
,secret>y conc]n$ %all e/abli% a        
requirem5t t ea* f9ancial s]vices       
c\nselor "u p>agraph 7#b77;,a77i71 & any
 o!r individual provid+ c\nsel+ on      
f9ancial s]vices "u p>agraph 7#b71      
submit f9ancial disclosures annually to 
! ,secret>y4  7,c7 ,! ,secret>y conc]n$ 
%all review all f9ancial disclosures    
submitt$ pursuant to subp>agraph 7,b7 to
 ensure ! c\nselor1 or ! individual     
provid+ c\nsel+1 is free f conflict z   
requir$ "u ?is p>agraph4  7,d7 ,if !    
,secret>y conc]n$ det]m9es t a f9ancial 
s]vices c\nselor "u p>agraph            
7#b77;,a77i71 or any o!r individual     
provid+ c\nsel+ on f9ancial s]vices "u  
p>agraph 7#b71 is n free f conflict z   
requir$ "u ?is p>agraph1 ! ,secret>y    
%all ensure t ! c\nselor1 or !          

individual provid+ c\nsel+1 does n      
provide su* s]vices until su* "t z !    
,secret>y det]m9es t su* conflict is    
resolv$4  4  7b7 ,report on f9ancial    
indep5d5ce ,n lat] ?an #ahj days aft] ! 
date ( ! enactm5t ( ?is ,act1 & annually
 !reaft]1 ea* ,secret>y conc]n$ %all    
submit to ,congress a report on !       
p]c5tage ( f9ancial s]vices c\nselors "u
 p>agraph 7#b77;,a77i7 ( section        
#iib7;b7 ( title #aj1 ,unit$ ,/ates     
,code 7z am5d$ by subsection 7a771 & o!r
 individuals provid+ c\nsel+ on f9ancial
 s]vices "u p>agraph 7#b7 ( su* section 
7z am5d$ by subsection 7a77 :om !       
,secret>y det]m9$ to be free f conflicts
 z requir$ "u p>agraph 7#d7 ( su*       
section 7z am5d$ by subsection 7a774    
7c7 ,secret>y conc]n$ def9$ ,9 ?is      
section1 ! t]m ,secret>y conc]n$ %all h 
! mean+ giv5 to su* t]m 9 section #aja (
 title #aj1 ,unit$ ,/ates ,code4